Got some real interesting codes from a FAKO service today.. For a min I was actually concerned.. then realized it was a bug...
Hows this for one..
Reported FAKO was 764
But these lovely codes raised my eyebrows...
- Monitoring: We monitored your credit report and did not find any monitoring alerts last month.
- Your credit rating changed from Good to Deficient. A lower rating means you are not getting the lowest rates on your loans.
- Credit Report: You can now view your full credit report along with your credit score!
- Your Credit Score decreased by 760 points this month.
- Your credit usage stayed constant at 6%. Keep usage below 30% for a better credit score.
- You have made regular payments on 6 of your accounts. Making on time payments impacts 40% of your credit score.
Talk about getting me a bit concerned.. then realized it was nigh impossible for the most part...
-J
Somewhere on Savvymoney's website it mentions its a Vantagescore.....
Yes. i know it was a bunch of BS.. but 1. Im too cheap to do a daily puller. esp when im not apping... so.. at least it gives me a clue if something is going on...
Actually themanwhocan listed it on his sheet of free fico/fako sites... Its rather nice.... Esp with the report.. even though its another TU report puller. i like the format and its updated dily.. Not a fan of the Wallethub report...
Of course thats BS.. because even if your scores are utterly tanked.. isnt the min score reporting a 300...?
-J
@joltdude wrote:Got some real interesting codes from a FAKO service today.. For a min I was actually concerned.. then realized it was a bug...
Hows this for one..
Reported FAKO was 764
But these lovely codes raised my eyebrows...
- Monitoring: We monitored your credit report and did not find any monitoring alerts last month.
- Your credit rating changed from Good to Deficient. A lower rating means you are not getting the lowest rates on your loans.
- Credit Report: You can now view your full credit report along with your credit score!
- Your Credit Score decreased by 760 points this month.
- Your credit usage stayed constant at 6%. Keep usage below 30% for a better credit score.
- You have made regular payments on 6 of your accounts. Making on time payments impacts 40% of your credit score.
Talk about getting me a bit concerned.. then realized it was nigh impossible for the most part...
-J
So you would have a 4 as your credit report 
I use a few of the Vantage Score sites. The nice part is some update daily and I am rebuilding now so it does help for when a dispute is settled.
I also like the daily pulls 